FORM NL-5 - CLAIMS SCHEDULE
Name of the Insurer:  GENERAL INSURANCE CORPORATION OF INDIA   
CLAIMS INCURRED [NET]
FOR THE PERIOD ENDED 30.06.2015
(` '000)
PARTICULARS For the quarter ending 30.06.2015 Up to  the quarter ending 30.06.2015 For the corresponding quarter of the preceeding year  Up to the Quarter of the prceeding year
A FIRE INSURANCE
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 7751354 7751354 8430435 8430435
Less :Re-insurance Ceded to claims paid 678687 678687 -378487 -378487
Net Claims Paid 7072667 7072667 8808922 8808922
Add : Claims Outstanding at the end of the year 69142298 69142298 77238065 77238065
Less: Claims Outstanding at the beginning of the year 67582224 67582224 76208072 76208072
Total Claims Incurred 8632741 8632741 9838915 9838915
B MISCELLANEOUS INSURANCE
(1) MOTOR
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 8020590 8020590 21287623 21287623
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 8020590 8020590 21287623 21287623
Add : Claims Outstanding at the end of the year 51918380 51918380 38301340 38301340
Less: Claims Outstanding at the beginning of the year 51587884 51587884 54058415 54058415
Total Claims Incurred 8351086 8351086 5530548 5530548
(2) AVIATION
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims 7994 7994 -25 -25
Add   :Re-insurance accepted to direct claims 941242 941242 555284 555284
Less :Re-insurance Ceded to claims paid 275122 275122 4095 4095
Net Claims Paid 674114 674114 551164 551164
Add : Claims Outstanding at the end of the year 9660804 9660804 8239832 8239832
Less: Claims Outstanding at the beginning of the year 8803936 8803936 7900822 7900822
Total Claims Incurred 1530982 1530982 890174 890174
(3) ENGINEERING
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 932539 932539 755544 755544
Less :Re-insurance Ceded to claims paid 1216 1216 8 8
Net Claims Paid 931323 931323 755536 755536
Add : Claims Outstanding at the end of the year 17928136 17928136 19089935 19089935
Less: Claims Outstanding at the beginning of the year 18382485 18382485 17748578 17748578
Total Claims Incurred 476974 476974 2096893 2096893
(4) WC
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 22588 22588 14150 14150
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 22588 22588 14150 14150
Add : Claims Outstanding at the end of the year 159262 159262 134406 134406
Less: Claims Outstanding at the beginning of the year 161463 161463 163235 163235
Total Claims Incurred 20387 20387 -14679 -14679
(5) Liability
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 76435 76435 43801 43801
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 76435 76435 43801 43801
Add : Claims Outstanding at the end of the year 1622007 1622007 1526867 1526867
Less: Claims Outstanding at the beginning of the year 1579545 1579545 1842666 1842666
Total Claims Incurred 118897 118897 -271998 -271998
(6) PA
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 405212 405212 824425 824425
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 405212 405212 824425 824425
Add : Claims Outstanding at the end of the year 2087611 2087611 2466741 2466741
Less: Claims Outstanding at the beginning of the year 1888768 1888768 2406549 2406549
Total Claims Incurred 604055 604055 884617 884617
(7) Health
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 4770780 4770780 3857392 3857392
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 4770780 4770780 3857392 3857392
Add : Claims Outstanding at the end of the year 13239650 13239650 9738538 9738538
Less: Claims Outstanding at the beginning of the year 12700829 12700829 9158105 9158105
Total Claims Incurred 5309601 5309601 4437825 4437825
(8) Oth. Misc.
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 2858115 2858115 2587609 2587609
Less :Re-insurance Ceded to claims paid 264160 264160 0 0
Net Claims Paid 2593955 2593955 2587609 2587609
Add : Claims Outstanding at the end of the year 8742041 8742041 10085413 10085413
Less: Claims Outstanding at the beginning of the year 9707154 9707154 10337916 10337916
Total Claims Incurred 1628842 1628842 2335106 2335106
(9) FL/Credit
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 123642 123642 385358 385358
Less :Re-insurance Ceded to claims paid 0 0 0 0
Net Claims Paid 123642 123642 385358 385358
Add : Claims Outstanding at the end of the year 6700765 6700765 5015019 5015019
Less: Claims Outstanding at the beginning of the year 6648242 6648242 5885222 5885222
Total Claims Incurred 176165 176165 -484845 -484845
TOTAL  MISCELLANEOUS
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims 7994 7994 -25 -25
Add   :Re-insurance accepted to direct claims 18151143 18151143 30311186 30311186
Less :Re-insurance Ceded to claims paid 540498 540498 4103 4103
Net Claims Paid 17618639 17618639 30307058 30307058
Add : Claims Outstanding at the end of the year 112058656 112058656 94598091 94598091
Less: Claims Outstanding at the beginning of the year 111460306 111460306 109501508 109501508
Total Claims Incurred 18216989 18216989 15403641 15403641
C MARINE INSURANCE
(1) MARINE CARGO
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims -113963 -113963 528806 528806
Less :Re-insurance Ceded to claims paid 34754 34754 0 0
Net Claims Paid -148717 -148717 528806 528806
Add : Claims Outstanding at the end of the year 5771586 5771586 5748178 5748178
Less: Claims Outstanding at the beginning of the year 5556870 5556870 5225659 5225659
Total Claims Incurred 65999 65999 1051325 1051325
(2) MARINE HULL
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 978631 978631 1045994 1045994
Less :Re-insurance Ceded to claims paid 38174 38174 74027 74027
Net Claims Paid 940457 940457 971967 971967
Add : Claims Outstanding at the end of the year 10572298 10572298 8049053 8049053
Less: Claims Outstanding at the beginning of the year 9681428 9681428 7238540 7238540
Total Claims Incurred 1831327 1831327 1782480 1782480
TOTAL MARINE 
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 864668 864668 1574800 1574800
Less :Re-insurance Ceded to claims paid 72928 72928 74027 74027
Net Claims Paid 791740 791740 1500773 1500773
Add : Claims Outstanding at the end of the year 16343884 16343884 13797231 13797231
Less: Claims Outstanding at the beginning of the year 15238298 15238298 12464199 12464199
Total Claims Incurred 1897326 1897326 2833805 2833805
D LIFE INSURANCE
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims
Add   :Re-insurance accepted to direct claims 93887 93887 288726 288726
Less :Re-insurance Ceded to claims paid -12590 -12590 102282 102282
Net Claims Paid 106477 106477 186444 186444
Add : Claims Outstanding at the end of the year 929084 929084 548335 548335
Less: Claims Outstanding at the beginning of the year 853942 853942 595087 595087
Total Claims Incurred 181619 181619 139692 139692
E TOTAL ALL CLASSES
Claims paid
Direct claims
Add Claims Outstanding at the end of the year
Less Claims Outstanding at the beginning of the year
Gross Incurred Claims 7994 7994 -25 -25
Add   :Re-insurance accepted to direct claims 26861052 26861052 40605147 40605147
Less :Re-insurance Ceded to claims paid 1279523 1279523 -198075 -198075
Net Claims Paid 25589523 25589523 40803197 40803197
Add : Claims Outstanding at the end of the year 198473922 198473922 186181722 186181722
Less: Claims Outstanding at the beginning of the year 195134770 195134770 198768866 198768866
Total Claims Incurred 28928675 28928675 28216053 28216053